Call reports 2013
CITIZENS BANK — 2013
What CITIZENS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 169,515,000 | 163,530,000 | 159,383,000 | 163,093,000 |
| Total loans | 112,680,000 | 114,564,000 | 118,167,000 | 117,204,000 |
| Allowance for loan losses | 1,714,000 | 1,587,000 | 1,739,000 | 1,796,000 |
| Securities available for sale | 25,576,000 | 29,479,000 | 28,069,000 | 30,703,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,728,000 | 144,045,000 | 140,212,000 | 144,002,000 |
| Interest-bearing deposits | 124,026,000 | 121,751,000 | 117,148,000 | 118,250,000 |
| Noninterest-bearing deposits | 25,702,000 | 22,294,000 | 23,064,000 | 25,752,000 |
| Equity capital | 14,086,000 | 13,994,000 | 13,763,000 | 14,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,973,000 | 3,893,000 | 5,867,000 | 7,907,000 |
| Interest expense | 308,000 | 606,000 | 875,000 | 1,125,000 |
| Net interest income | 1,665,000 | 3,287,000 | 4,992,000 | 6,782,000 |
| Noninterest income | 68,000 | 215,000 | 384,000 | 536,000 |
| Noninterest expense | 1,108,000 | 2,232,000 | 3,321,000 | 4,482,000 |
| Provision for loan losses | 175,000 | 370,000 | 550,000 | 690,000 |
| Pretax income | 450,000 | 900,000 | 1,522,000 | 2,163,000 |
| Income tax | 172,000 | 344,000 | 582,000 | 831,000 |
| Net income | 278,000 | 556,000 | 940,000 | 1,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,040,000 | 14,318,000 | 14,193,000 | 14,584,000 |
| Total capital | 15,463,000 | 15,743,000 | 15,629,000 | 16,020,000 |
| Risk-weighted assets | 113,511,000 | 113,813,000 | 114,546,000 | 114,519,000 |